Hello, I am Jason Zweigle here with ShortSaleSlayerz.com. We’re considered one of Roseville’s premiere short sale teams. Thank you very much for visiting our website. At this time we’re going to talk in regards to the Chase Bank HAFA short sale program. Chase is taking part in the HAFA short sale and for those who do not know what the HAFA short sale is, let me explain it real quick. The HAFA short sale is a short sale program that the federal government came up with from the HAMP program. It is kind of a sister product to the loan modifications that had been such a colossal failure. The federal government realized that short sales had been a method to dig ourselves out of this and it’s a viable option to foreclosures and in reality most likely the best option to foreclosure.

Now Chase and the other bigger banks are actively participating in the HAFA short sale program and the HAFA short sale program basically ensures you $3,000 at close of escrow for moving expenses. Also both lenders will comply with forgive the remaining balance of the short sale. Now lately chances are you’ll be aware of the new senate bill that was passed in California which lenders automatically if they comply with do a short sale in California, they should forgive you of the balance. So HAFA short sale with Chase gets you $three,000 for moving expenses, and complete forgiveness of any of the debt. You’ll walk away free and clear.

Chase is a superb financial institution to work with and the HAFA program. They transfer pretty swiftly and are pretty environment friendly of their determination making process. There’s plenty of details about the HAFA short sale program with numerous banks.

Please give me a call so we will discuss concerning the details. Our number is 1-800-646-0362 or you may fill out our information below. Check out our new mortgage calculator. It’s a short sale calculator that tells you what your house is worth, how far underwater you’re and how long it might take you to get out of the debt that is your house right now. It’s a terrific device and it is free. We’re ShortSaleSlayerz.com, one of the Roseville’s premiere short sale teams. Have a great day, thanks very much.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Grass Valley Short Sale Specialists-Avoid Foreclosure

Hello, I’m Jason Zweigle right here with ShortSaleSlayerz.com. We’re one of Roseville’s premiere short sale teams. As we speak we will be talking about a hardship, particularly divorce. Obviously divorce is a really tough state of affairs that folks sadly undergo most of the time, especially once they’re enduring monetary hardship. We do get numerous folks that call us and say they’re going through a divorce but they do not know what to do with their house. Neither of them wants the home, they only want out. In a difficult situation such as divorce, a short sale can sometimes eradicate one of the largest headaches of a divorce and that is what to do with the house. Lots of times in a divorce neither the husband nor the wife desires to maintain the home. Also in today’s market, most of the houses are upside down anyway.

A short sale is a extremely good solution to aide an amicable divorce eliminating an asset that’s undervalued and underwater. Principally we work with both the husband and spouse individually, independently of one another, accumulating financial info and submit it to the bank. Even if combined the financial institution looks at your financial state of affairs and sees you could afford the mortgage, divorce is a legitimate hardship and the bank will automatically agree to a short sale. We’re right here to help you and make this transition simpler for you.

We may also help deal with one of the biggest problems in the divorce and that’s what to do with the home. There isn’t any motive to let your home go to foreclosure just because you’re going through a divorce. There is no longer a deficiency in California while you do a short sale so you will not owe any money. You can probably get paid cash from the bank to do a short sale. So there are a lot more advantages to doing a short sale over a foreclosure.

When you’ve got any questions about this difficult scenario, be at liberty to present me a name on the 800 quantity situated on the web site, or fill out the form under and there is a nice free obtain that offers you much more information about short sales. We’re ShortSaleSayerz.com, one in every of Roseville’s premiere short sale groups and we look ahead to hearing from you. Thanks so much and have an incredible day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Nevada County Short Sale Specialists-Avoid Foreclosure

Hello, I’m Jason Zweigle with ShortSaleSlayerz.com. We’re considered one of Roseville’s leading short sale teams. At the moment I need to discuss what many owners are concerned about and that is, what it should cost you out of pocket to do a short sale. The excellent news is it should cost you nothing to do a short sale. I’m surprised at how many people do not realize that a short sale is free to you, the homeowner. The reason that it is free to you is that the financial institution pays for all the standard closing costs that are involved with selling a home. They pay things comparable to your portion of your title and escrow, inspections, generally repairs, and realtor’s commissions.

I inform my clients if a short sale runs completely smooth, they should be capable to walk away from an enormous debt in an underwater dwelling, they’ll hopefully receive $three,000 walking money as a result of they’ve an authorized HAFA short sale, and lastly, they are going to have no out of pocket expenses. All people’s short sales are totally different, however on average I would say nearly all of my purchasers are able to walk away owing nothing and obtain $3,000 to move out of their house, courtesy of Uncle Sam.

So, you probably have any questions go ahead and fill out the form below. There is also an important free download with a variety of information on it. Another choice is to give me a call. My number is on the website. We’re ShortSaleSlayerz.com, one of Roseville’s leading short sale teams. We look forward to talking to you soon. Thanks and have an amazing day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at

Hi, I’m Jason Zweigle right here with ShortSaleSlayerz.com. We’re certainly one of Roseville’s leading short sale teams. Thanks for visiting our website. As we speak we’re going to speak about the new California Senate Bill SB458, which is the anti-deficiency assembly bill. Basically it’s an modification to a previous bill that was passed about deficiencies within the state of California. If a lender agrees to do a short sale, the first lien holder might not come after a vendor for a deficiency and they’d waive all deficiency rights. In other words, they couldn’t come after you and ask you to repay the forgiven balance of the short sale.

This new senate bill provides a safety to second lien holders. When you have a primary and a second and they comply with do a short sale, that’s it; you are out of debt, you are done with a short sale and you’ll owe no extra money. This bill only applies to short sales and not foreclosures. Many people are handing the banks the keys and walking away. This is not a good suggestion as a result of the second lien holders can come after you for the remaining debt because you truly walked away from it.

This new senate bill is a great benefit in the short sale game for the California consumer. Additionally, one other added stipulation, the banks can now not ask for a contribution from the seller. To allow them to’t say, hey give us $10,000 and we’ll do a short sale. You can provide as a way to incentivize the bank to agree to a short sale and typically that is a great move. The customer can offer $four,000 to $5,000 to make the deal go through. They’re getting an unimaginable deal anyway, so if they’ve so as to add slightly money to make the deal go through, it’s no harm no foul.

When you’ve got any questions, you possibly can reach out to me. My number is on the web site or you’ll be able to fill out the form below. We’re ShortSaleSlayerz.com and considered one of Roseville’s main short sale teams. We look ahead to hearing from you soon, have an awesome day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Sacramento County Short Sale Specialists-Avoid Foreclosure

Hello, I am Jason Zweigle with ShortSaleSlayerz.com. We’re considered one of Roseville’s main short sale teams. Right now we will answer the million dollar question, Is your home underwater? Meaning basically you owe more to your financial institution than what your property is worth. This is universally essentially the most asked question. Most people know their home is underwater, but they do not know by how much. If you have an underwater mortgage, you might be in all probability wondering how much your private home is worth and how far upside down you are. You may additionally be questioning how you’ll ever get out of this mess. I believe that a short sale is a good resolution to get out of being underwater. Foreclosure is also an choice however with that comes numerous authorized and monetary burdens that may be associated with foreclosures.

We have a great new instrument that we need to offer you for free. That is our new short sale calculator. We have partnered up with Zillow to provide you with some key pieces of information; A. What’s your home worth? B. How far upside down are you, and C. How long will it take you until you will have a zero equity balance? Right now, a lot of you watching this owe way over what your own home is worth. Hopefully you need to use the short sale calculator to resolve if a short sale is right for you or if you happen to ought to hold your home.

Fill out the form beneath and reach out to us. Make the most of this free tool, there is no obligation whatsoever. We even have a free download with some nice information about short sales. Thanks for visiting ShortSaleSlayerz.com, where we’re considered one of Roseville’s main short sale teams.

When you’ve got any questions, you can call us at any time. Our number is 1-800-646-0362 or go to the website. Thanks lots, and have an ideal day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Rocklin Short Sale Specialists-Avoid Foreclosure

Hello, I am Jason Zweigle with ShortSaleSlayerz.com. We’re considered one of Roseville’s leading short sale teams. The subject today is what to do when you can’t make your mortgage payments. There are a number of choices for you if you cannot make your mortgage payments. You possibly can reach out to your financial institution and talk to them a few mortgage modification. Many individuals try to do loan modifications and it is probably the most irritating experiences they’ve ever gone through. Whether or not the bank won’t respond or lose your paperwork ten or fifteen times. I’ve even heard stories from clients that did not go through us and wound up attempting to do a mortgage modification and misplaced their residence to foreclosure in the midst of mortgage modification. In our opinion a loan modification is not the greatest solution.

You can also do foreclosure, just walk away and let the financial institution take it back. This additionally is not one of the best solution. It’s also possible to do a deed in lieu of foreclosure and what that means is you inform the bank they need not foreclose on your house, you will voluntarily leave. No harm, no foul. Foreclosure and deed in lieu of foreclosures each have a destructive affect on your credit. Both of these also leave you open to second lien holders and typically first lien holders having the ability to come after you to try and acquire that unpaid balance. That can be a scary factor as well when you’re attempting to recuperate financially.

I feel an outstanding resolution in today’s market and the banks are starting to see that short sales are what are going to dig us out of this real estate nightmare and this big loss of value. Primary, a short sale is a large benefit to you the seller. You’ll be able to walk away from your own home, get out of debt, not owe something, truly get a bit of bit of cash in your pocket and move on. For the bank, they get a bit of bit more cash from a short sale than a foreclosure. The remainder of the neighborhood will not have the unpleasant vacant properties which can be getting vandalized.

So if you have any more questions, fill out the form below. You may as well use the form below to get to our free short sale calculator. It’s a fantastic device and I really encourage you to make use of that. We’re ShortSaleSlayerz.com, certainly one of Roseville’s leading short sale teams. We’re right here to help you make the precise determination to your situation. Have a terrific day, thanks very much.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at -Avoid Foreclosure

Hi, Jason Zweigle here with ShortSaleSlayerz.com, we’re one of Roseville’s leading short sale teams. Thanks for visiting our website. At this time we will talk concerning the part 2 of the Bank of America HAFA short sale program. I wanted to develop slightly on how we approach the short sale option. In the first video, we talked about going via the front door of the HAFA program where we get the financial institution’s sale price. It is like a preapproved short sale. That’s a catastrophic mistake for any agent or client to ask the financial institution to offer you a price to sell your home. There’s a back door HAFA program that we use and basically we take a suggestion and submit it after which we request for HAFA short sale approval, getting you the advantages of the HAFA short sale, the $three,000, however not having the bank meddle with our sale price and contract.

A whole lot of this is additionally investor driven. You will have a servicer such as Bank of America and generally they have a portfolio loan which means it is their cash that is invested within the home, however more often than not, it may be a Fannie or Freddie or perhaps even Wells Fargo or Chase’s money or some other investor’s. We even have investor guidelines that we have to get through to get a HAFA short sale approval.

I recommend if you are going to think about a short sale or a HAFA short sale that you definitely work with a extremely experienced agent that has completed numerous short sales. I’d say 50 to 60 plus before they’ve actual tried and true expertise so they know the best way to navigate through these difficult short sales. The good news is, opposite to popular information on the market on the websites and information reviews, HAFA short sales are an excellent resolution, it ensures the buyer $3,000 at close of escrow and it guarantees forgiveness of any debt. It’s also good for the second lien holders as a result of the first will give the second a bit bit extra money which gives the second lien holder more motivation to conform to the short sale. We want the second lien holder’s blessing and approval to truly do a short sale.

When you’ve got any questions, give me a call, my 800 number is posted on the web site or fill out the form below. There’s a fantastic free download with additional information about short sales. We are ShortSaleSlayerz.com, one of Roseville’s leading short sale teams. I look ahead to hearing from you soon. Thanks and have a fantastic day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Nevada County Short Sale Specialists-Avoid Foreclosure

Hi, Jason Zweigle right here with ShortSaleSlayerz.com, we’re considered one of Roseville’s leading short sale teams. I wanted to speak today about the Bank of America HAFA short sale. Many people on the market don’t really know what a HAFA short sale is, and it is principally a federal government backed short sale plan that many of the banks that participated in TARP also take part within the HAFA program. The HAFA program follows some federal pointers, some financial institution or servicer tips, and a few investor guidelines. So, it will probably get just a little bit complicated. On the whole, there are two methods to do a short sale with the Bank of America HAFA program.

The buyer or the agent can apply to get a pre-accepted HAFA short sale, and I feel this is a enormous mistake, and it’s why the HAFA short sale has such a bad name out there. Principally a client or agent goes to the financial institution and tells them they wish to do a short sale. The bank thinks that is great and requests some monetary information they usually’ll ship out their loan agent or appraiser to provide a good market worth for the home. There’s the issue right there. They need to set up the price of the home and so they aren’t the principle in the transaction, so that they shouldn’t be dictating the sale price of the home. They’re going to send anyone out and as a rule, they are going to tack on 20% on top of that list value or that suggested listing value and then offer you one hundred twenty days to sell the home. For those who do not sell it, then they’ll do a deed in lieu of foreclosure or foreclose. This isn’t a very good option.

The way in which we approach a HAFA short sale with Bank of America, is that we go within the back door. We’ll initiate your short sale with Bank of America as a conventional short sale. We’ll sign a listing settlement with you, and we’ll establish honest market worth in your residence after which listing the property. Then once we have now a proposal, we will submit that offer to the financial institution and request a HAFA short sale approval. The beauty of the HAFA short sale approval is both lenders need to agree to the short sale and has to comply with forgive you of any remaining balance or deficiency.

On top of that, they can even offer $three,000 to you the vendor for moving expenses at close of escrow that’s paid proper from the title company when the deal closes. We’re ShortSaleSlayers.com, one in all Roseville’s leading short sale teams. I’ll expand extra on this in my half two video. Thanks quite a bit and have an incredible day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Placer County Short Sale Specialists-Avoid Foreclosure

Hello, I am Jason Zweigle with ShortSaleSlayerz.com. We’re certainly one of Roseville’s leading short sale teams. Thanks for visiting the website. As we speak I’m wrapping up my three part sequence on strategic default with the bail and buy program. Consider it or not, you possibly can fullfill a short sale of your current dwelling and buy a model new or new to you residence while you are doing a short sale as long as the brand new purchase closes after the close date of your short sale. You have to be current and you need to qualify for this new FHA loan. There is an FHA mortgage program on the market for individuals who actually need to downsize.

The explanation that this mortgage is in place is as a result of the trade and the federal government recognize that people are walking away from their mortgages because they’re well underwater. So in what I call the bail and buy program, you are able to do a short sale, you need to qualify for the new mortgage, you must be present on your present house mortgage, and it’s important to downsize your home. It’s a phenomenal answer if you happen to’re a strategic defaulter or should you’re simply someone that does not wish to take care of an underwater home.

You’ll be able to sell your home that is underwater today, buy a brand new dwelling for honest market worth and be effectively ahead of the game and be properly positioned to experience this real estate recovery that is on the horizon. It won’t be right this moment or tomorrow, however we will have a real estate recovery and there can be cash to be made during that recovery.

So if in case you have any questions in regards to the bail and buy program, attain out to me by giving me a call on our 800 number, or fill out the form below. You can also obtain our free short sale information. We’re one in all Roseville’s leading short sale groups and we might be happy to speak with you. Thanks and have an amazing day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at -Avoid Foreclosure

Hello, I’m Jason Zweigle here with ShortSaleSlayerz.com. We’re Roseville’s main short sale team. Today I wish to speak about the steps to approach a strategic default. It is real easy how you do a strategic default in my opinion. Number one, I am not an attorney or an accountant, so if you’re going to contemplate a strategic default, you would possibly wish to communicate with an accountant or an attorney to see what the legal and tax ramifications could be.

In case you are a home-owner that can afford your mortgage payments and also you need to defend your credit, we’re right here to help. We are going to merely come in, list your home and present a suggestion to the bank. Then the financial institution will ask us for your financials and we will present them to the bank. The bank could ask questions on why you might be short selling when it seems to be like you may afford your mortgage payments. We reply those questions honestly with integrity and we allow them to know your intensions. If you will do a default, you principally inform them you’re either going to do that short sale or let your property go to foreclosures since you do not wish to stay in a house that’s $one hundred,000 to $200,000 upside down. Most of the time, the bank is going to determine it will make sense for them because they get more money for the short sale then if it goes to foreclosure.

So, you will continue to make funds, we go forward and complete the short sale and you’re done and put that debt behind you. There shall be a derogatory remark on your credit report. It will say one thing to the effect satisfied in full, short pay, and that does have a unfavourable impact in your credit score report. Should you remain current during that time, you may actually buy a home both simultaneous close or after you close your escrow on your short sale, there are loans in place where you can buy a downsized residence or house of lesser value. This is great news on the strategic default process.

Thank you for visiting the web site, ShortSaleSlayerz.com, we’re Roseville’s main short sale team. When you’ve got any questions, you possibly can reach out to me at my 800 number or simply leave a comment and check out our free download on short sales. Thanks and have a great day.

Do you need to sell you home or are you underwater and can’t make your mortgage payments? Jason Zweiglye and the Short Sale Slayerz can answer your short sale questions. We are California Short Sale Specialists.

Watch this and more short sale videos from Jason Zweigle and his team Short Sale Slayers

Also, follow Short Sale Slayers on their blog at Your Sacramento County Short Sale Specialists-Avoid Foreclosure